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Future Start Independent Financial Planning profile image

Future Start Independent Financial Planning


Future Start is a firm based in Watford, Hertfordshire offering independent financial advice to clients throughout the UK either remotely, by way of phone and online, or face-to-face where preferred for local enquiries. Being independent means that we are not restricted to recommending products and solutions from only one company. Working in collaboration with our clients, we build financial planning strategies to help them achieve specific financial objectives. Areas in which we specialise include: - retirement strategies; identifying how much you need or want to have in retirement, how much you need to save to achieve a certain lifestyle, when you can afford to retire, what options are available to provide income and the best strategies to choose to provide your income once you are there. There are many options to consider once you reach retirement and now with so much more freedom in how you can draw your benefits, the added consideration of how long your funds may last. It may be the case that your state pension age is a few years later than your retirement age so you need a strategy to bridge the gap. For high earners, new limits restrict what can be paid into pensions. We help clients understand these limits and how they are effected by them and where necessary look for alternative strategies with which to build retirement plans. - inheritance tax and estate planning strategies; passing on wealth to your children, understanding your preferences; whether you prefer to retain access to some or all of your capital, do you want to give up some of the capital but keep receiving an income, if you prefer access to lump sums but do not need income, retaining complete access to income and/or capital, finding suitable investments for trustees. Perhaps you wish to insure the liability and want help finding the most cost effective provider. - investment strategies; building investment portfolios that are specific to client preferences, objectives, needs, risk level and personal circumstances. Using various investment products to ensure tax efficiency; reducing income tax, making use of capital gains tax allowance, personal savings allowance, starting rate band, inheritance tax thresholds, planning for the future can save substantial amounts. Ethical or socially responsible portfolios. Recommending portfolios of leading investment funds that are overseen on your behalf. - pension transfers and consolidation strategies; bringing old pensions under one new plan making the management easier, the administration less and increasing the retirement options or death benefits available to you. Liaising with your existing providers to identify whether any valuable benefits or guarantees would be given up if you were to transfer. Occupational defined benefit transfers where we have conducted a full assessment, highlighting the benefits and disadvantages of transferring. - insurance strategies; the foundation of a robust financial plan. For many a successful financial planning strategy relies on an individuals ability to continue working and funding the plan. Private medical insurance, income protection (designed to pay an income until retirement if unable to work due to an accident or sickness), life insurance and critical illness insurances are available. - planning strategies for directors and business owners; extracting profits from the business tax efficiently, improving employee engagement through additional value benefits, group risk including group life insurance, tax efficient life and critical illness insurance policies directors or business owners or staff members, group private medical insurance, protection of key people in the business, sick pay, group income protection, protection of business loans. Perhaps it is time to review your company pension scheme; are you happy with your current provider, are your employees fully engaged with their pensions, are they aware of the value and benefit from their employer contributions, are you confident you are meeting your obligations and ongoing duties, do you have an annual review of your workplace pension to ensure robust continuing governance? As a business owner, did you know that you can use your pension to invest in your business? Future Start is regulated and authorised by the Financial Conduct Authority (FCA). Our FCA reference number is 736240 details of which can be found on https://register.fca.org.uk/. At Future Start we only offer products that a regulated by the FCA and are offered from well known financial institutions. You can see what our clients have to say on https://futurestartfinancialplanning.com/testimonials/.

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Hear from
a professional

What do you love most about your job?

The most fulfilling part of my job is most definitely the interaction with my clients. For me, it is so interesting meeting people from all walks of life whether established in their career, running their own company, enjoying their retirement and hearing about what they did in the past or those starting out in their career. Working with people both initially to formulate a strategy and then ongoing to make sure it is achieved is hugely fulfilling. I think finances and security are one of the most important things in a persons life and helping them to have and maintain this through way of a robust financial planning strategy is both interesting and exciting .

What inspired you to start your own business?

I formed Future Start to change the way I offered financial advice to my clients. I wanted to offer solutions that clients could trust, solutions that were unbiased towards any one provider or product. I previously worked for banks and then an advice network . The advice network and banks enabled me to offer a very narrow range of solutions which were simply not enough to meet the varying needs of the people that I saw. Being fully independent, Future Start has no bias towards any one provider or product. The thing that dictates the providers that I recommend is my clients.

Why should our clients choose you?

Clients of Future Start know that they are working with an adviser that they can trust. I have built long relationships with many of the clients that I work with over a number of years. We document all of our recommendations in personalised and structured reports. We work with and recommend leading providers to give comfort and peace of mind to clients. We have a structured approach to planning, working at a pace that clients feel comfortable with and providing updates as we progress. We are open and honest with our recommendations and often use a forecast to show clients the direction in which their financial journey is heading, the impact of our advice and the likely result of planning if it is seen through to the end. Finally, unlike some bigger organisations, we do not see our clients as a number, we see our clients as individuals and by having a flexible way of working can adjust the way we work to cater for individual requirements.

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How confident are you managing your finances?

Very confident

How old are you?


Which service(s) do you require?

Investment advice, Tax planning, Trusts

What is your approximate annual income before tax?

£80,000 or more

What is the approximate total value of your cash savings and other investments?

£100,000 or more

In which location(s) would you like to meet the advisor?

At my location, At the advisor's office

How confident are you managing your finances?

Somewhat confident

How old are you?


Which service(s) do you require?

Pensions & Annuities, Retirement planning

What is your approximate annual income before tax?

£30,000 to £49,999

What is the approximate total value of your cash savings and other investments?

£1,000 to £4,999

In which location(s) would you like to meet the advisor?

At the advisor's office

How confident are you managing your finances?

Not confident

How old are you?


Which service(s) do you require?

Pensions & Annuities

What is your approximate annual income before tax?

£10,000 to £19,999

What is the approximate total value of your cash savings and other investments?

Prefer not to say

In which location(s) would you like to meet the advisor?

Internet or phone (no face to face meeting)

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based on 269 reviews

The average rating for Bark Independent Financial Advisors in London is 4.97, based on 269 reviews.

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